Call reports 2003
PARTNERS BANK — 2003
What PARTNERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,285,000 | 131,387,000 | 130,810,000 | 134,469,000 |
| Total loans | 56,674,000 | 65,999,000 | 66,141,000 | 52,714,000 |
| Allowance for loan losses | 1,151,000 | 1,127,000 | 1,204,000 | 1,255,000 |
| Securities available for sale | 48,694,000 | 44,890,000 | 40,384,000 | 41,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,864,000 | 114,365,000 | 114,102,000 | 118,137,000 |
| Interest-bearing deposits | 91,890,000 | 97,046,000 | 96,121,000 | 97,416,000 |
| Noninterest-bearing deposits | 19,974,000 | 17,319,000 | 17,981,000 | 20,721,000 |
| Equity capital | 15,536,000 | 16,122,000 | 16,139,000 | 16,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,596,000 | 5,341,000 | 7,189,000 |
| Interest expense | 384,000 | 757,000 | 1,117,000 | 1,472,000 |
| Net interest income | 1,397,000 | 2,839,000 | 4,224,000 | 5,717,000 |
| Noninterest income | 319,000 | 594,000 | 846,000 | 1,148,000 |
| Noninterest expense | 1,027,000 | 1,995,000 | 2,840,000 | 4,001,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 260,000 |
| Pretax income | 597,000 | 1,305,000 | 2,092,000 | 2,758,000 |
| Income tax | 196,000 | 431,000 | 693,000 | 940,000 |
| Net income | 401,000 | 874,000 | 1,399,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,335,000 | 14,688,000 | 15,222,000 | 15,516,000 |
| Total capital | 15,197,000 | 15,630,000 | 16,182,000 | 16,361,000 |
| Risk-weighted assets | 68,683,000 | 75,181,000 | 76,558,000 | 67,147,000 |